{
  "attribution": {
    "source": "legal.exploreworldai.com",
    "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr",
    "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr)",
    "license": "https://legal.exploreworldai.com/revision",
    "version": "legal-2026-10-12",
    "fingerprint": "ewai:se:36b72c",
    "proof": "sha256:7e37511e98fb762b7c95e4c46d33232707a709bf3dd96896663497cdcc537860",
    "jurisdiction": "se",
    "lang": "en",
    "publisher": "NovaCopilot by ExploreWorld Legal",
    "terms": "https://legal.exploreworldai.com/om"
  },
  "brand_source": "Source: NovaCopilot",
  "object_type": "sme_kit",
  "object_id": "sme_kit:eu:amlr",
  "schema_version": "1",
  "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/sme_kit",
  "url": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr",
  "source": "NovaCopilot",
  "item": {
    "coverage": {
      "complete": 7,
      "total": 10,
      "label": "7 of 10 answers ready",
      "reasons": {
        "exceptions": "not_in_register",
        "precedents": "insufficient_cases",
        "outcome_patterns": "insufficient_cases"
      }
    },
    "subject": "eu:amlr",
    "act": "amlr",
    "article": null,
    "answers": [
      {
        "key": "obligations",
        "status": "ready",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "sha256": "092e026fd2ba02568f1d9bed2660755d3110b24121eab119635c9351228c3fe8"
      },
      {
        "key": "responsibility",
        "status": "ready",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "sha256": "c5abb8a22b6ff5200dd383228bf304f6e7de14d064bd67a4b52c6d3465031c59"
      },
      {
        "key": "sanctions",
        "status": "ready",
        "ids": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "sha256": "145172a3fb95f74efceca231c65ca94c95f64a78d728f8480ec73265a18f443c"
      },
      {
        "key": "risks",
        "status": "ready",
        "ids": [
          "risk_chain:eu:amlr--obliged-entity"
        ],
        "sha256": "ab936ca4d863df0da7ad979e06fe36efd577c52f0e67e447f09510c5f795bf39"
      },
      {
        "key": "exceptions",
        "status": "gap",
        "ids": [],
        "sha256": null
      },
      {
        "key": "documentation",
        "status": "ready",
        "ids": [
          "documentation_requirement:eu:amlr"
        ],
        "sha256": "92a51e80bd7e4671b8d530c61a49f8f4b778c0acf62ad41594a90f2a38cfba2a"
      },
      {
        "key": "checklist",
        "status": "ready",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "sha256": "0a09e52f3344a0d114a51ee505340f676a21d887cfdc7f3974f71866ce9f31fb"
      },
      {
        "key": "precedents",
        "status": "gap",
        "ids": [],
        "sha256": null
      },
      {
        "key": "provision_links",
        "status": "ready",
        "ids": [
          "provision_link:eu:amlr"
        ],
        "sha256": "83438451834027a99bf9dc7d947c455321052b2d9fccb878774f5938f55e1eb1"
      },
      {
        "key": "outcome_patterns",
        "status": "gap",
        "ids": [],
        "sha256": null
      }
    ],
    "answers_full": [
      {
        "question": "Which obligations apply?",
        "key": "obligations",
        "status": "ready",
        "answer": "7 obligations: Have internal policies, procedures and controls to mitigate money laundering and terrorist financing risks.; Carry out and keep up to date a business-wide risk assessment.; Appoint a member of the management body responsible for compliance and a compliance officer. …",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-10-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-11-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-20-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-34-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-69-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-77-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr-art-9-obliged-entity"
        ],
        "sha256": "092e026fd2ba02568f1d9bed2660755d3110b24121eab119635c9351228c3fe8",
        "reason": null
      },
      {
        "question": "Who is responsible?",
        "key": "responsibility",
        "status": "ready",
        "answer": "Responsible roles: obliged-entity.",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-10-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-11-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-20-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-34-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-69-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-77-obliged-entity",
          "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr-art-9-obliged-entity"
        ],
        "sha256": "c5abb8a22b6ff5200dd383228bf304f6e7de14d064bd67a4b52c6d3465031c59",
        "reason": null
      },
      {
        "question": "Which sanctions can be triggered?",
        "key": "sanctions",
        "status": "ready",
        "answer": "1 sanctions, up to 10 % of global turnover; e.g. At least twice the benefit or EUR 1 000 000; credit and financial institutions EUR 10 000 000 or 10 %.",
        "ids": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/sanction/eu:amlr-art-amld6-55"
        ],
        "sha256": "145172a3fb95f74efceca231c65ca94c95f64a78d728f8480ec73265a18f443c",
        "reason": null
      },
      {
        "question": "What are the risks?",
        "key": "risks",
        "status": "ready",
        "answer": "Risk level high across 1 roles.",
        "ids": [
          "risk_chain:eu:amlr--obliged-entity"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/risk_chain/eu:amlr--obliged-entity"
        ],
        "sha256": "ab936ca4d863df0da7ad979e06fe36efd577c52f0e67e447f09510c5f795bf39",
        "reason": null
      },
      {
        "question": "Which exceptions apply?",
        "key": "exceptions",
        "status": "gap",
        "answer": null,
        "ids": [],
        "urls": [],
        "sha256": null,
        "reason": "not_in_register"
      },
      {
        "question": "Which documentation is required?",
        "key": "documentation",
        "status": "ready",
        "answer": "Keep: Written policy or plan, Impact or risk assessment, Report to authority.",
        "ids": [
          "documentation_requirement:eu:amlr"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/documentation_requirement/eu:amlr"
        ],
        "sha256": "92a51e80bd7e4671b8d530c61a49f8f4b778c0acf62ad41594a90f2a38cfba2a",
        "reason": null
      },
      {
        "question": "What does a compliance checklist look like?",
        "key": "checklist",
        "status": "ready",
        "answer": "7 checks across 1 roles.",
        "ids": [
          "obligation:eu:amlr-art-10-obliged-entity",
          "obligation:eu:amlr-art-11-obliged-entity",
          "obligation:eu:amlr-art-20-obliged-entity",
          "obligation:eu:amlr-art-34-obliged-entity",
          "obligation:eu:amlr-art-69-obliged-entity",
          "obligation:eu:amlr-art-77-obliged-entity",
          "obligation:eu:amlr-art-9-obliged-entity"
        ],
        "urls": [],
        "sha256": "0a09e52f3344a0d114a51ee505340f676a21d887cfdc7f3974f71866ce9f31fb",
        "reason": null
      },
      {
        "question": "Which precedents support the answer?",
        "key": "precedents",
        "status": "gap",
        "answer": null,
        "ids": [],
        "urls": [],
        "sha256": null,
        "reason": "insufficient_cases"
      },
      {
        "question": "How are the rules linked to other rules?",
        "key": "provision_links",
        "status": "ready",
        "answer": "Provision relations for amlr.",
        "ids": [
          "provision_link:eu:amlr"
        ],
        "urls": [
          "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:amlr"
        ],
        "sha256": "83438451834027a99bf9dc7d947c455321052b2d9fccb878774f5938f55e1eb1",
        "reason": null
      },
      {
        "question": "How do courts usually rule in similar situations?",
        "key": "outcome_patterns",
        "status": "gap",
        "answer": null,
        "ids": [],
        "urls": [],
        "sha256": null,
        "reason": "insufficient_cases"
      }
    ],
    "checklist": [
      {
        "step": 1,
        "role": "obliged-entity",
        "check": "Have internal policies, procedures and controls to mitigate money laundering and terrorist financing risks.",
        "provision": "amlr 9",
        "deadline": null,
        "if_not": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "done": false
      },
      {
        "step": 2,
        "role": "obliged-entity",
        "check": "Carry out and keep up to date a business-wide risk assessment.",
        "provision": "amlr 10",
        "deadline": null,
        "if_not": [],
        "done": false
      },
      {
        "step": 3,
        "role": "obliged-entity",
        "check": "Appoint a member of the management body responsible for compliance and a compliance officer.",
        "provision": "amlr 11",
        "deadline": null,
        "if_not": [],
        "done": false
      },
      {
        "step": 4,
        "role": "obliged-entity",
        "check": "Apply customer due diligence measures, including identification of the customer and beneficial owner.",
        "provision": "amlr 20",
        "deadline": null,
        "if_not": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "done": false
      },
      {
        "step": 5,
        "role": "obliged-entity",
        "check": "Apply enhanced due diligence measures in higher-risk situations.",
        "provision": "amlr 34",
        "deadline": null,
        "if_not": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "done": false
      },
      {
        "step": 6,
        "role": "obliged-entity",
        "check": "Report suspicions to the financial intelligence unit.",
        "provision": "amlr 69",
        "deadline": null,
        "if_not": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "done": false
      },
      {
        "step": 7,
        "role": "obliged-entity",
        "check": "Retain customer due diligence records and transaction evidence for five years.",
        "provision": "amlr 77",
        "deadline": null,
        "if_not": [
          "sanction:eu:amlr-art-amld6-55"
        ],
        "done": false
      }
    ],
    "links": {
      "act_kit": null,
      "provisions": [
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-9",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-10",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-11",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-20",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-34",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-69",
        "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr--art-77"
      ],
      "case_kits": [],
      "documentation": "https://legal.exploreworldai.com/api/public/v1/obj/documentation_requirement/eu:amlr",
      "list": "https://legal.exploreworldai.com/api/public/v1/sme-kits",
      "changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes?type=sme_kit"
    },
    "method": "Ten fixed business questions answered from existing deterministic registers. Gaps carry fixed reason codes. No model writes anything.",
    "hash": "359c41c72ef457955a6ff9b649ff62c3fdb27b8684634d36a438b2b76ed5f51c"
  },
  "links": {
    "provisions": "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:amlr",
    "case_law": {
      "outcome": "https://legal.exploreworldai.com/api/public/v1/obj/outcome/eu:amlr",
      "outcome_pattern": "https://legal.exploreworldai.com/api/public/v1/obj/outcome_pattern/eu:amlr"
    },
    "evidence": {
      "provenance": null,
      "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify",
      "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes"
    },
    "compact": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr?view=compact",
    "representations": {},
    "machine_languages": [
      "en",
      "sv"
    ],
    "ref": "eu:amlr"
  },
  "watch": {
    "changes": "https://legal.exploreworldai.com/api/public/v1/changes",
    "whats_new": "https://legal.exploreworldai.com/api/public/v1/whats-new?jurisdiction=eu",
    "conditional": "Send If-None-Match with the ETag; unchanged objects return 304 without body.",
    "recheck_after_seconds": 86400
  },
  "hash": "sha256:7e37511e98fb762b7c95e4c46d33232707a709bf3dd96896663497cdcc537860",
  "version": "legal-2026-10-12",
  "expires": "2026-10-13T00:00:00.000Z",
  "dependency": {
    "index_version": "legal-2026-10-12+legal-2026-10-12+2026-10-12T13:05:32",
    "content_hash": "sha256:7e37511e98fb762b7c95e4c46d33232707a709bf3dd96896663497cdcc537860",
    "revalidate_after": "2026-10-12T15:22:30.888Z",
    "max_copy_age_seconds": 3600,
    "policy": "revalidate-required; attribution-preferred",
    "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency",
    "verify": "https://legal.exploreworldai.com/api/public/v1/verify",
    "stale_copy_invalid": true
  },
  "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr",
  "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.",
  "content_notice": {
    "legal_advice": false,
    "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.",
    "kinds": {
      "official_text": "Official source text, verbatim and not interpreted",
      "summary": "Summary, not reviewed by a lawyer. Always read the source text",
      "classification": "Automatic label from the source's own text, not reviewed by a lawyer"
    },
    "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.",
    "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections",
    "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"
  },
  "usageInfo": "https://legal.exploreworldai.com/citering"
}